Vermont Teen Driver Insurance: Costs & Discounts
Vermont requires 25/50/10 liability coverage and is an at-fault state.
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Vermont at a Glance
25/50/10
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
PIP and Uninsured motorist coverage must be on every policy
15
Minimum learner's permit age, 40 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Teen drivers in Vermont begin with a learner's permit at age 15, progress to a Junior Operator license at 16 (with passenger and curfew restrictions), and become eligible for an unrestricted license at 18 or after one year on the Junior Operator license. Vermont does not legally mandate good student or driver training discounts, but most carriers offer them voluntarily — parents should ask explicitly.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Cost Overview
$203–$285/mo
Typical monthly rate in Vermont, adding a driver aged 16–19 to a parent's policy
Rate data: Insurify and ValuePenguin, 2025
What Affects Your Rate
- This is not legally mandated in Vermont, so parents must ask explicitly and provide report cards or transcripts annually.
- Vermont does not require driver's ed for licensing, but insurers reward it — the discount often remains active for three years.
- These are especially valuable for Vermont families where the teen drives infrequently or only locally, as low annual mileage earns the largest discounts.
- Vehicle type and age: Insuring a teen on a vehicle with strong safety ratings, modern safety features (automatic braking, lane assist), and lower repair costs reduces premiums.
- Winter driving and geographic location: Teens in Burlington and other urban areas may see slightly higher rates due to traffic density, while rural teens face higher comprehensive claims from wildlife. Both drive costs up, but rural families often reduce collision coverage on older vehicles to offset the increase.
Add Your Teen Without Doubling Your Bill
Compare Teen Driver RatesRules for new drivers
Night driving
none
Passengers
no passengers first 3 months, then family only for next 3 months
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance (Higher Limits)
Vermont's 25/50/10 minimums leave parents exposed if their teen causes a serious accident. Raising to 100/300/50 or 250/500/100 protects household assets and retirement accounts from lawsuits.
Collision Coverage
Covers damage to the teen's vehicle after an at-fault accident, minus the deductible. Required by lenders if the vehicle is financed, optional if the car is paid off.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and animal strikes. Not legally required, but commonly carried in Vermont due to frequent deer collisions and severe winter storms.
Uninsured/Underinsured Motorist Coverage
Protects your teen if they're injured by a driver with no insurance or insufficient coverage. Vermont requires this be offered; you can reject it in writing, but most agents recommend accepting it.
Medical Payments Coverage
MedPay covers medical expenses for the teen and passengers after an accident, regardless of fault. Optional in Vermont, but provides immediate coverage without waiting for liability determination.